Same Day · Downey
Same-Day Mortgage Brokers in Downey, CA
Can't wait a week? These mortgage brokers in Downey offer same-day or next-day appointments. Call now to check availability.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Downey, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is EZ Fundings Inc. with a 5.0-star rating from 109 Google reviews and an RNM Score of 84/100. Also in the top tier: PRMG and 1st Choice Lending, Downey. The average rating across all listed mortgage brokers in Downey is 4.9 stars from 43 reviews per business on average.
Mortgage brokers in Downey: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Elite Mortgage Pros
Elite Mortgage Pros stands out as the top-ranked broker due to its strong reputation and consistent high ratings in Downey.
Most Reviewed
Elite Mortgage Pros
Having the most reviews indicates a large customer base and proven reliability, helping borrowers make informed decisions.
When choosing a mortgage broker in Downey, compare rates and fees from multiple brokers, and check recent reviews to ensure quality service.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
43
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Trusted Downey mortgage broker with a flawless 5.0-star rating from over 100 reviews.
8207 3rd St UNIT 102, Downey, CA 90241, USAConsistently earns a perfect 5.0-star rating from over 100 local reviews.
8104 3rd St, Downey, CA 90241, USAProudly serving Downey with a flawless 5.0-star rating from nearly 80 reviews.
8141 2nd St #603, Downey, CA 90241, USAMortgage Brokers Rankings in Downey, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | EZ Fundings Inc.8207 3rd St UNIT 102, Downey, CA 90241, USA | 5.0★ | 109 |
| #2 | PRMG8104 3rd St, Downey, CA 90241, USA | 5.0★ | 101 |
| #3 | 1st Choice Lending, Downey8141 2nd St #603, Downey, CA 90241, USA | 5.0★ | 79 |
| #4 | FirstClass Mortgage Inc8136 2nd St, Downey, CA 90240, USA | 5.0★ | 13 |
| #5 | Derrell Aaron Barton - Sun West Mortgage NMLS 32778531 Florence Ave Suite 202, Downey, CA 90240, USA | 4.9★ | 78 |
| #6 | Anthias Financial8635 Florence Ave, Downey, CA 90240, USA | 5.0★ | 25 |
| #7 | Downey Capital Mortgage8255 Firestone Blvd UNIT 110, Downey, CA 90241, USA | 4.9★ | 30 |
| #8 | New World Mortgage - Direct Lender powered by APM10842 Paramount Blvd, Downey, CA 90241, USA | 5.0★ | 24 |
| #9 | Elite Mortgage Pros8103 3rd St #1, Downey, CA 90241, USA | 4.8★ | 20 |
| #10 | Pillar Financial8320 Florence Ave, Downey, CA 90240, USA | 4.9★ | 78 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Downey
Rated 5.0 stars from 13 Google reviews, this Downey mortgage broker is highly trusted.
8136 2nd St, Downey, CA 90240, USA
Exceptionally rated 4.9 stars from 78 Google reviews in Downey.
8531 Florence Ave Suite 202, Downey, CA 90240, USA
5.0 stars from 25 reviews, reflecting consistently exceptional client satisfaction.
8635 Florence Ave, Downey, CA 90240, USA
Rated 4.9 stars from 30 Google reviews by local clients in Downey.
8255 Firestone Blvd UNIT 110, Downey, CA 90241, USA
Consistently earns a perfect 5.0-star rating from dozens of client reviews.
10842 Paramount Blvd, Downey, CA 90241, USA
4.8 stars from 20 reviews, reflecting consistent client satisfaction in Downey.
8103 3rd St #1, Downey, CA 90241, USA
Trusted by 78 local clients, this Downey broker holds an exceptional 4.9-star rating.
8320 Florence Ave, Downey, CA 90240, USA
Trusted by 61 local clients, this Downey broker holds a stellar 4.9-star rating.
8103 3rd St #1, Downey, CA 90241, USA
5.0 stars from 55 Google reviews, showing exceptional local client satisfaction.
3rd St #405, Downey, CA 90240, USA
5.0-star rating from 8 Google reviews, reflecting exceptional client satisfaction.
8043 2nd St #102, Downey, CA 90241, USA
Trusted Downey mortgage broker with a solid 4.3-star rating from 6 reviews.
9317 Firestone Blvd, Downey, CA 90241, USA
5.0★ rating from 5 reviews, reflecting exceptional client satisfaction.
7847 Florence Ave, Downey, CA 90240, USA
5.0-star rating from 1 Google review, reflecting exceptional client satisfaction.
8043 2nd St #102, Downey, CA 90241, USA
5.0 stars from 30 Google reviews, reflecting exceptional client satisfaction.
8141 2nd St #420, Downey, CA 90241, USA
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Mortgage Brokers in Downey, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | EZ Fundings Inc. | 84/100 | 5.0 ★ | 109 |
| 2 | PRMG | 83/100 | 5.0 ★ | 101 |
| 3 | 1st Choice Lending, Downey | 82/100 | 5.0 ★ | 79 |
| 4 | FirstClass Mortgage Inc | 73/100 | 5.0 ★ | 13 |
| 5 | Derrell Aaron Barton - Sun West Mortgage NMLS 3277 | 80/100 | 4.9 ★ | 78 |
| 6 | Anthias Financial | 76/100 | 5.0 ★ | 25 |
| 7 | Downey Capital Mortgage | 75/100 | 4.9 ★ | 30 |
| 8 | New World Mortgage - Direct Lender powered by APM | 76/100 | 5.0 ★ | 24 |
| 9 | Elite Mortgage Pros | 71/100 | 4.8 ★ | 20 |
| 10 | Pillar Financial | 80/100 | 4.9 ★ | 78 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Downey
What does a mortgage broker do differently than going directly to a bank in Downey?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Downey?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in CA?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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